Expert Insurance Team

Hi Everyone! It’s been a few weeks since we’ve talked… But a couple days ago I had a call from a new mother trying to get insurance for her 3-month old daughter… I thought I would share the experience I had with her and tell you how she came to this point… So when she was still pregnant she spoke with her insurance company about having a baby and whether or not the baby would be covered… The insurance carrier told her that her baby would be covered for 30 days… BUT, what they failed to mention was that they would cover the baby for 30 days only if she adds the baby to the policy within those first 30 days… Watch the video because I explain what happened and what her options were…

What Is A Pre-Existing Condition? When considering a health insurance policy… find out if they cover your pre-existing condition. A pre-existing condition doesn’t mean you can’t get health insurance. Determine the severity of your condition and determine if you are ok with a plan that wont cover it. Talk to a professional insurance broker about what plans may be available for you. Check out  50 Health Issues That Count as a Pre-Existing Condition  from Money.com Wishing you good health -EIT

If you have a marketplace plan and you are turning 65 soon or maybe you already turned 65... get your medicare all set up.  If you delay your medicare enrollment you might have a huge gap in coverage in the future. THE RISKS YOU RUN Your carrier may find out that you're eligible for Medicare and they may not pay claims. If you try to apply for another marketplace plan you will no longer be eligible. You will have to apply for Medicare during the General Enrollment Period (GEP) which is every year from January 1 - March 31. Your Medicare wont be until July 1 and you will have a gap in coverage from January 1 - June 30. Some carriers who offer GAP coverage will no longer offer you coverage because you are now 65 years of age. DON'T DELAY YOUR MEDICARE ENROLLMENT Make an appointment with your local Social Security office to enroll in Medicare Parts A and B or enroll online at www.SSA.gov. Call us at 800-808-0208 to find out your Medicare supplement options ...